M.D.
Everybody's body is different first of all. I always had a little belly, now it's not so little... I've had 3 kids, the last one was c-section. I hate my stomach! First of all I know I can't complain too much because I hate to do ab workouts, however, my mother, grandmother, etc all have pouchy bellies from having babies. My grandmother was a stick, but still had a bit of a belly. I think I come from loose belly skin. I had a friend who only had one kid, but you can barely tell, no stretch marks either.
I've heard girdles and wrapping your tummy does help some. Be faithful doing your ab workouts.
I'm praying for the money for a tummy tuck (LOL), seriously, it's a lot of work and it probably will NEVER look the same again.